Bank of Scotland Plc

Financial Ombudsman decision DRN0338758 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Mon Oct 02deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Mortgage administration

In the Ombudsman’s words

Halifax was writing to an incorrect address for Mr H... I think Halifax telling Mr H that it would change his credit records, and then saying it wouldn’t, was unfair and unreasonable.Credit file reporting

Halifax was writing to an incorrect address for Mr H, despite him giving his correct address. That isn’t fair or reasonable.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0338758.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.